TellerScore

Derry Area Federal Credit Union is a federal credit union headquartered in Derry, Pennsylvania, in business for about 77 years. At the end of Q2 2026 it reported $13.9M in total assets and $12.2M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Derry Area Federal Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 184th. Its strongest component is funding & liquidity (100/100; 45% loans-to-deposits, 0% uninsured), and its lowest is earnings (26/100; 0.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.52%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.67%
Earnings26/100
Return on assets (annualized): 0.16%
Funding & liquidity100/100
Loans ÷ shares: 45.0% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.30%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 69).

TellerScore
626873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202465
Q1 202568
Q2 202569
Q3 202572
Q4 202562
Q1 202662
Q2 202669
Net worth ratio
7.00%9.68%12.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.74%
Q3 202411.48%
Q4 202411.55%
Q1 202511.08%
Q2 202511.65%
Q3 202512.35%
Q4 202511.89%
Q1 202611.25%
Q2 202611.52%
Delinquent loans (60+ days)
0.50%1.15%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20240.51%
Q4 20241.48%
Q1 20250.97%
Q2 20250.98%
Q3 20251.03%
Q4 20251.80%
Q1 20261.28%
Q2 20260.67%
Return on assets
0.08%0.34%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.58%
Q4 20240.56%
Q1 20250.50%
Q2 20250.52%
Q3 20250.60%
Q4 20250.42%
Q1 20260.08%
Q2 20260.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$13.9M11.52%0.67%0.16%45.0%
Q1 202662$14.2M11.25%1.28%0.08%43.4%
Q4 202562$13.4M11.89%1.80%0.42%48.6%
Q3 202572$12.9M12.35%1.03%0.60%53.5%
Q2 202569$13.5M11.65%0.98%0.52%52.4%
Q1 202568$14.0M11.08%0.97%0.50%51.5%
Q4 202465$13.3M11.55%1.48%0.56%55.9%
Q3 202473$13.3M11.48%0.51%0.58%59.0%
Q2 202473$12.8M11.74%0.50%0.52%62.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.52%
27th
Problem loans0.67%
51st
Net charge-offs0.03%
65th
Return on assets0.16%
26th
Loans to deposits45.0%
71st
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.3%
49th

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Latrobe Federal Credit UnionCredit union Latrobe, PA66 out of 100, Moderate$14.1M11.2%0.50%vs
Spojnia Credit UnionCredit union Scranton, PA50 out of 100, Below average$14.3M15.5%8.33%vs
P C Federal Credit UnionCredit union Port Allegany, PA47 out of 100, Below average$13.5M13.3%4.15%vs
Dow Bucks County Federal Credit UnionCredit union Bristol, PA74 out of 100, Strong$13.4M21.2%1.38%vs

Deposit insurance

Is my money safe at Derry Area Federal Credit Union?

Yes. Derry Area Federal Credit Union is a federally insured credit union (NCUA charter #6196). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.52%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Derry Area Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Derry Area Federal Credit Union
Type
Federal credit union
NCUA charter #
6196
RSSD ID
961688
Primary regulator
NCUA
Established
1949
Headquarters
P.O. Box 128, Derry, PA 15627
Employees
5

Quick answers

Derry Area Federal Credit Union: common questions

Is Derry Area Federal Credit Union NCUA insured?

Yes. Derry Area Federal Credit Union is a federally insured credit union (NCUA charter #6196). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Derry Area Federal Credit Union's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Derry Area Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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